Exhibit 23.1


                           CONSENT OF PEABODY & BROWN

The Boards of Directors
Ninth Ward Savings Bank, FSB
Delaware First Financial Corporation

     We  hereby  consent  to the  use of  our  firm's  name  in the  Form  SB-2,
Registration Statement,  and Amendments thereto as filed with the Securities and
Exchange  Commission  by  Delaware  First  Financial   Corporation  and  to  the
references to our opinion therein under the heading "Legal and Tax Matters."


                                             /s/ Peabody & Brown

                                             Peabody & Brown

Washington, D.C.
November 4, 1997